First, it helps you recognize that you are at the valid web site and not a fraudulent site. We display your picture and personal phrase each time you sign on so you know it is safe to enter personal information.

Secondly, secure login provides us additional verification to ensure that it is really you accessing your account information.

Confirmation Questions

Secure login will allow us to recognize computers/mobile you commonly use. If we don't recognize the computer/mobile device you sign on from, we will take additional steps to verify your identity by asking you to answer confirmation questions.

During the setup process, you will be asked to select confirmation questions.

You will choose three confirmation questions that are unique to you

Choose questions and answers that you will easily remember

We will display two of your three questions only if we don't recognize your computer/mobile device.

For your protection, these questions are selected at random from the ones you have selected.

Register a Computer or Phone

During the setup process, we will ask you if you'd like to register your computer/mobile device. We suggest that you register computers/mobile devices you commonly use.

Computers/mobile devices are registered using a cookie. A cookie is a small, secure text file that BMO Harris saves to your browser. Each time you sign on from that computer/mobile device, we will recognize the cookie and match it with your BMO Harris Online Banking User ID to verify your identity. If you sign on from a computer/mobile device that is not registered, you will be asked to answer your confirmation questions for additional verification.

You may register more than one computer/mobile device

We recommend you don't register public computers, such as those located in libraries, airports or coffee shops

If you have multiple users on one computer/mobile device, each user may register the computer/mobile device

If you use multiple browsers, such as Internet Explorer and Firefox, you will need to register each browser individually

If your Internet browser doesn't allow permanent cookies, you can change your cookie settings using the instructions provided in the Internet browser's help file

Online Banking Security

In addition to providing secure login access to your online accounts directly from the BMO Harris home page, we also offer:

Strong encryption technology to help ensure that data passing between your computer/mobile device and our web server is secure

Session time-outs after 10 minutes of inactivity

Secured firewalls

We do what we can to provide you with a safe and secure online environment, but we also need you to take the appropriate measures to secure your personal computing environment. It's important to consider that many public access computers may have malware.

Malicious software (malware) is designed to break into or damage a computer system and can be installed on your computer without your consent. Malware is very common on the Internet and typically spreads through links on infected websites, instant messaging programs and email. Beware of offers for "free email virus protection" or a "no cost Internet accelerator" or other such enticements or you may end up inadvertently revealing personal or financial information.

In many cases, malware will monitor your Internet activity including everything you type on your computer -- your card numbers, account numbers and Passwords as well as the personal and confidential information you provide when you use otherwise secure online applications (e.g. loan applications, mortgage applications and online account opening applications).

In some cases, you may be able to detect malware on your computer because of unusual computer behaviors like slow response time, programs opening/closing on their own or numerous pop-ups while using the Internet. Most of the time, however, malware will be virtually undetectable. Your best defense against malware is to install anti-virus, anti-spyware and firewall software on your computer and keep these programs up-to-date.

* Secure login procedures do not apply to BMO Harris Online BankingSM for Small Business or BMO Harris Invest Online. These systems utilize SecurID tokens and Trusteer.

Banking products and services are provided by BMO Harris Bank N.A. and are subject to bank and credit approval. BMO Harris® and BMO Harris Bank® are trade names used by BMO Harris Bank N.A. Member FDIC.

Notice to Customers

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial organizations to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask you to provide a copy of your driver's license or other identifying documents. For each business or entity that opens an account, we will ask for your name, address and other information that will allow us to identify the entity. We may also ask you to provide a copy of your certificate of incorporation (or similar document) or other identifying documents. The information you provide in this form may be used to perform a credit check and verify your identity by using internal sources and third party vendors. If the requested information is not provided within 30 calendar days, the account will be subject to closure.

Third party web sites may have privacy and security policies different from BMO Harris. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of web sites reached through links from BMO Harris web sites.

BMO Harris Premier Services represents a combined service approach of BMO Harris Financial Advisors and BMO Harris Bank, each a part of BMO Financial Group.

This information is not intended to be tax or legal advice. This information cannot be used by any taxpayer for the purpose of avoiding tax penalties that may be imposed on the taxpayer. This information is being used to support the promotion or marketing of the planning strategies discussed herein. BMO Harris Bank N.A. and its affiliates do not provide legal or tax advice to clients. You should review your particular circumstances with your independent legal and tax advisors.